BlastPoint's Banking Scorecard

Teutopolis State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 11708

Teutopolis, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Teutopolis State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 30.1% in tier
+ Efficiency Ratio 24.44% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.36% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.33% below tier average

Get updates when Teutopolis State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$357.1M +1.3% YoY +0.6% QoQ	-$29.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$180.4M +2.4% YoY +1.8% QoQ	-$75.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$308.5M -0.4% YoY +0.3% QoQ	-$19.5M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	1.63% +7.3% YoY +3.6% QoQ	+0.36%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	3.60% +10.6% YoY +4.7% QoQ	-0.33%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	40.84% +2.1% YoY +2.3% QoQ	-24.44%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 4.8% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	58.47% +2.8% YoY +1.5% QoQ	-18.17%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	24.95% -0.9% YoY +4.9% QoQ	+2.93%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.29% +7.9% YoY +4.7% QoQ	-1.54%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.08% +1.7% YoY -76.0% QoQ	-0.20%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	42%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#201 of 664 • Top 30.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

130

Efficiency Ratio

profitability

Value: 40.84%

Peer Median: 65.29%

#130 of 2664 Top 4.8% in $100M-$1B

449

Loan-to-Deposit Ratio

liquidity

Value: 58.47%

Peer Median: 76.64%

#449 of 2664 Top 16.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available